Mortgage Protection
Your family keeps the home.
Covers your monthly mortgage payments for a set period if you pass away or get seriously ill, so your family keeps the home.
Check my optionsLicensed specialists · 45+ A-rated carriers
Protect your home. Protect your future.
Mortgage protection, burial coverage and wealth-building with IULs and annuities, built around your family's goals by licensed specialists, not call-center agents.
Takes about 60 seconds · No obligation
- Mortgages protected
- 350+
- Retirements protected
- 220+
- Top-rated companies
- 45+
- Seniors protected
- 500+
Coverage options
Coverage built around the life you've built.
Pick the option closest to your situation. A licensed specialist does the shopping and shows you real plans.
Equity Protection (55+)
What you've built stays in the family.
Permanent coverage that protects the equity you've built, so the house and what it's worth stay with your family.
Check my optionsBurial Coverage
Final costs handled, not handed down.
Affordable coverage for funeral and end-of-life costs so loved ones aren't left with the bill.
Check my optionsIUL & Annuities
Grow it, protect it, pass it on.
Tax-advantaged growth and lifetime income options for building and protecting wealth.
Check my optionsTrucker Mortgage Protection
Coverage that rides home with you.
Coverage built for drivers whose company coverage doesn't follow them home.
Check driver optionsVeteran Families
Protection for those who served.
Mortgage protection options for veteran homeowners and their families. Not affiliated with the VA.
Check veteran optionsHow it works
Three steps from question to covered.
No call-center scripts and no pressure. You answer, we shop, you choose.
Start my 60-second quote-
01
Answer a few quick questions
About 60 seconds on your phone: your home, your family and what you want to protect.
-
02
A licensed specialist shops 45+ A-rated carriers for you
We compare plans across top-rated companies, so you don't have to call around.
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03
Pick the plan that fits your family and budget
Your specialist explains each option in plain language. You decide, on your timeline.
Why True North
An agency that works for you, not for one insurer.
Specialists
Licensed specialists, not traditional agents
We focus on protecting homeowners, families and retirees. That focus means clearer answers and fewer surprises.
Transparency
Guided by education, integrity and transparency
We explain how each plan works and what it doesn't cover before you decide anything.
Independence
Independent, so we work for you
We're not tied to one insurance company. We compare 45+ A-rated carriers and recommend what fits you.
Our partner companies
Foresters
Ameritas
Carriers vary by state and product.
"True North helped me get my home protected and set up coverage that gives my family real peace of mind."
Is mortgage protection the same as PMI?
No. PMI protects your lender if you stop making payments. Mortgage protection is life insurance that protects your family: it can cover your monthly mortgage payments for a set period if you pass away or become seriously ill.
Do I need a medical exam?
Many plans don't require one. Whether you need an exam depends on your age, your health and the amount of coverage. Your specialist tells you upfront.
How much does it cost?
It depends on your age, health and the coverage you choose. Instead of guessing, a licensed specialist shows you exact options from multiple carriers, side by side.
Are you a government or VA program?
No. We're an independent, licensed insurance agency. We are not affiliated with any government agency, the VA or your mortgage lender.
Is there any obligation?
No. Answering the questions and reviewing your options is free, and you're never obligated to buy.
See what your family's protection could look like.
Answer a few quick questions and a licensed specialist will show you real options. No pressure, no obligation.
Mortgage & equity protection
Keep your home in the family, no matter what.
Life insurance designed around your home: coverage that can handle the monthly mortgage payments for a set period, or permanent coverage that protects the equity you've built.
Takes about 60 seconds · No obligation
What it is
A plan for the payment your family can't skip.
For most families the mortgage is the biggest bill in the house. If the person who earns most of that income passes away or becomes seriously ill, the payment doesn't stop.
Mortgage protection is life insurance sized to your mortgage. If something happens to you, it can cover your monthly mortgage payments for a set period, giving your family time and options instead of a deadline. The money goes to your family, not the bank.
Side by side
Mortgage protection vs equity protection
Two ways to protect the same home. Your specialist helps you pick one, or a mix of both.
Term coverage
Mortgage protection
Covers the monthly payments for a set period.
- Term options sized to your mortgage balance and timeline
- Helps your family keep up with monthly payments for a set period
- Often the most budget-friendly way to protect the home
- Best fit for younger homeowners and growing families
Permanent coverage · homeowners 55+
Equity protection
Protects the equity you've built.
- Permanent coverage that doesn't expire with a term
- Protects the value of the home you've worked for
- Helps the house and what it's worth stay with your family
- Best fit for homeowners 55+ planning their legacy
Living benefits: protection while you're still here.
Many plans also pay out if you're diagnosed with a serious illness such as a heart attack, stroke or cancer. That money can help with mortgage payments while you focus on recovering. Availability and terms vary by carrier and state.
Find out what protecting your home could look like.
A licensed specialist compares plans across 45+ A-rated carriers and walks you through each one.
Final expense & burial coverage
Cover the final costs so your family doesn't have to.
Whole life coverage for funeral, burial or cremation and end-of-life costs, with simple health questions and coverage that doesn't expire.
Takes about 60 seconds · No obligation
How it works
Simple coverage for a cost every family faces.
Burial coverage, also called final expense insurance, is a smaller whole life policy. When you pass away, it pays a cash benefit to the person you choose, who can use it for the service, the burial or cremation, and any bills left behind.
Coverage that doesn't expire
Whole life coverage stays in force for life as long as premiums are paid, so it's there whenever your family needs it.
Premiums designed to stay level
Most whole life plans keep the same premium for life, which makes it easier to budget on a fixed income.
Simple health questions
Many plans ask a short list of health questions instead of requiring a medical exam. Approval depends on the carrier's underwriting.
Plan for your wishes
Burial or cremation, you decide.
Your coverage amount follows the kind of arrangements you want. Your specialist helps you size it to your wishes.
Traditional burial planning
Typically covers the funeral service, casket, burial plot, headstone and related costs.
Families often choose
$15,000 to $25,000+
Cremation planning
Typically covers cremation, a memorial or celebration of life, and any remaining final bills.
Families often choose
$5,000 to $15,000
Ranges are general examples, not quotes. Available coverage amounts depend on your age, health, state and carrier.
Take the bill off your family's shoulders.
Answer a few quick questions and a licensed specialist will show you burial coverage options that fit your budget.
Indexed universal life & annuities
Build wealth. Protect it. Leave a legacy.
Permanent life insurance with cash value that can grow, and annuities that can turn savings into income you can't outlive. Explained in plain language.
Takes about 60 seconds · No obligation
Two tools, one plan
Grow it while you work. Protect it when you stop.
An IUL focuses on protection plus potential growth. An annuity focuses on dependable income. Many families use both.
Indexed universal life (IUL)
Permanent coverage with a living cash value.
Your family is protected with a death benefit, and part of each premium builds cash value you can use during your life.
- Permanent life insurance that can last your whole life
- Cash value growth linked to a market index, without investing directly in the market
- Protection from market losses: a floor helps keep downturns from reducing credited value
- Tax-advantaged access to cash value through policy loans and withdrawals
Annuities
Income you can count on in retirement.
An annuity is a contract with an insurance company that can turn savings into a steady stream of income.
- Guaranteed lifetime income options, so you don't outlive your paycheck
- Options that protect your principal from market downturns
- Tax-deferred growth until you take income
- Beneficiary options so remaining value can pass to your family
Who it fits
Built for planners, not speculators.
- Families who want lifelong protection and a way to build savings at the same time
- Business owners and high earners looking for tax-advantaged options
- Pre-retirees who want part of their savings shielded from market swings
- Retirees who want income they can rely on for life
Important to know
Policy loans and withdrawals reduce cash value and death benefit; guarantees depend on the claims-paying ability of the issuing company. IULs and annuities are insurance products, not investments in the stock market. Features, caps, fees and surrender periods vary by carrier and product. We do not provide tax or legal advice; consult a tax professional about your situation.
Start building a legacy that lasts.
A licensed specialist will explain how IULs and annuities could fit your goals, with no projections and no pressure.
Our team
The people who point your family true north.
We started True North to give families honest guidance: clear explanations, real comparisons and coverage that fits, from people who answer their own phones.
Dylan Ramirez
Founder · Licensed Life Insurance Agent
NPN 21614518
Dylan built True North around one idea: families deserve to understand their coverage before they buy it. He leads our mortgage protection and family planning work.
Jorge Murillo
Co-Founder · Licensed Life Insurance Agent
Murrieta, CA
Jorge helps homeowners, retirees and working families compare options side by side, so every decision is made with clear numbers from real carriers.
Our mission
Protect the families and homes that matter most, guided by education, integrity and transparency.
Get My QuoteTakes about 60 seconds · No obligation
Contact & scheduling
Talk to a licensed specialist, not a call center.
Call, email or let us call you. Either way you'll speak with a licensed agent based in Murrieta.
Fastest way
Answer 60 seconds of questions and a specialist calls you.
Your specialist arrives with options already compared across 45+ A-rated carriers, so the call is about choices, not paperwork.
Start my 60-second quoteNo obligation · No spam calls
- Office
- Murrieta, CA 92563
- Hours
- Mon–Sat, 7am–8pm PT
- Phone
- (951) 394-1342
- [email protected]
Legal
Privacy policy
Last updated: January 2026
True North Legacy Planning ("True North," "we," "us") is an independent life insurance agency based in Murrieta, California. This policy explains what information we collect when you visit our website or talk with us, how we use it, and the choices you have.
Information we collect
We collect information you choose to give us, such as your name, phone number, email address, ZIP code, date of birth, homeownership details and basic health or coverage preferences you share when you request a quote or speak with a specialist. We also collect limited technical information automatically, such as your browser type, device, pages visited and the referring website, to keep the site working and understand how it is used.
How we use your information
- To contact you about the coverage you asked about and prepare quotes from insurance carriers.
- To submit applications to carriers on your behalf when you ask us to.
- To answer questions, provide service on existing policies and send reminders you've agreed to receive.
- To improve our website and services, and to meet legal, licensing and regulatory requirements.
We don't sell your personal information
True North Legacy Planning does not sell, rent or trade your personal information. We share it only as described in this policy, or when you ask us to.
Service providers and carriers
We share information with insurance carriers when you request a quote or apply for coverage, and with trusted service providers who help us operate, such as website hosting, CRM, phone and email tools. These providers may use your information only to perform services for us. We may also disclose information when required by law or to protect our rights and the safety of others.
Text messaging (SMS)
If you opt in to receive text messages, we use your mobile number to contact you about your inquiry and coverage. Message and data rates may apply. Reply STOP to opt out at any time or HELP for help.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.
Security
We use reasonable administrative, technical and physical safeguards to protect your information. No method of transmission or storage is completely secure, so we can't guarantee absolute security, but we work to protect your data and limit access to people who need it.
Your choices and rights
You can ask us to access, correct or delete your personal information, or to stop contacting you, at any time. California residents may have additional rights under the California Consumer Privacy Act. We will not discriminate against you for exercising them.
Changes to this policy
We may update this policy from time to time. The "last updated" date above shows when it last changed.
Contact us
True North Legacy Planning, Murrieta, CA 92563
Phone: (951) 394-1342
Email: [email protected]